St. Charles County property record for 540 Hemsath Rd, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 3,454 sqft · built 1984 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Company Name on Record |
| Last Sale | $272,500 (Sep 2004) |
| Tax Bill | $5,220 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 442140A000 |
| Primary APN | 442140A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 3,454 sqft Living Area |
| Gross Area | 4,038 sqft |
| 1st Floor Area | 2,025 sqft |
| Basement Area | 1,529 sqft |
| Finished Basement | 1,429 sqft |
| Unfinished Basement | 100 sqft |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 440 sqft |
| Patio Area | 306 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 442140A000 |
|---|---|
| Street Address | 540 HEMSATH RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | KUNZE SUB LOT 7 |
| Legal Subdivision | KUNZE SUB |
| Legal Lot Number | 7 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 311001 |
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 2960 GREENLEAF DR, SAINT CHARLES, MO 63303-3128 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2004 · Amount on Record |
| Deed Sale | Sep 8, 2004 · Amount on Record |
| Prior Sale | Aug 6, 2002 · Amount on Record |
| Deed Document Number | 2004873830 |
| Deed Book / Page | 3972 / 1762 |
| Prior Transfer Date | Sep 10, 1998 |
| Prior Transfer Doc | 0021300428 |
| Record Updated | Oct 29, 2026 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $87,567 (-) | $460,879 (-) Building $460,879 | |
| 2025 | $5,220.00 (+6.01%) | $87,567 (+9.23%) | $460,879 (+9.23%) Building $460,879 |
| 2024 | $4,924.00 | ||
| 2023 | $80,169 | ||
| 2022 | $421,942 Building $421,942 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 36 (1978–2019) |
| Claims Outside the SFHA | 6 of 36 |
| Most Recent Claim | Jun 2019 · Severe Storms, Tornadoes, And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
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